Top 8 Online Psychiatry Platforms Accepting Insurance: Verified and Reviewed
Searching for an online psychiatrist who accepts your insurance? Discover these 8 trusted online psychiatry services that accept numerous insurance plans and provide expert psychiatric care and medication management for various mental health issues. Access support for anxiety, depression, bipolar disorder, OCD, PTSD, substance use disorders, and more.
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Most Inclusive Platform: Talkiatry
- Cost: Depends on your insurance coverage
- Insurance Accepted: Yes, including BCBS, Optum, Cigna, UnitedHealthcare, Aetna, Medicare, and more
- Therapy Types: Individual therapy, medication management, psychiatry
Chosen for its mission to enhance psychiatric accessibility, Talkiatry exclusively partners with patients who have accepted insurance plans. Serving patients aged 5 and older, its versatile and innovative treatment approach makes it the most comprehensive online psychiatry service available.
Advantages- Accepts only patients with insurance coverage
- Supports a broad spectrum of insurance providers
- Offers care for children and adolescents starting at age 5
- Treats numerous mental health disorders
- Initial consultations last 60 minutes
- Not accessible in all states
- Therapy requires a referral
- Does not treat eating disorders or schizophrenia
Our testing involved two individuals in New York who experienced Talkiatry’s psychiatry services. We found the platform exceptional, with extended session durations and empathetic clinicians responsive to patient needs. Its insurance-only acceptance simplifies payment for psychiatric care. Intake sessions last an hour, and follow-ups are 30 minutes, double the length of many competitors, allowing thorough patient engagement beyond medication management. Messaging between sessions is available for concerns like side effects. Talkiatry effectively treats conditions from PTSD to insomnia and substance use disorders, earning our strong recommendation.
“My psychiatrist devoted triple the typical intake time to understand my background and reasons for seeking help before formulating a treatment plan.” — Talkiatry user, seeking help after personal loss
Though generally positive, some issues included a clinician arriving late and lacking warmth, and the need to contact customer service to switch providers, which involved wait times. Enhanced intake screening could reduce provider mismatches.
Plans & Pricing- Insurance: Accepts major insurers like Aetna, BlueCross BlueShield, Cigna, Optum, UnitedHealthcare, plus some Medicare plans
- Subscription: Not required
- Out-of-Pocket: Varies by insurance; enter your details pre-signup for copay estimates
- 86% rated Talkiatry very good or excellent overall
- 87% praised therapist qualifications highly
- 96% felt their needs were mostly or fully met
- 95% would recommend Talkiatry to others
- 33% experienced better care than prior psychiatric services
Best for Depression: Talkspace
- Cost: $276 to $480 monthly for therapy subscriptions
- Insurance Accepted: Yes
- Therapy Types: Couples, individual, medication management, psychiatry, teen counseling
With over 5,000 providers and broad insurance acceptance, Talkspace offers affordable access to psychiatrists specializing in depression. The platform provides both therapy and psychiatric services, making it a comprehensive resource.
Advantages- Wide range of accepted insurance plans
- Specialized psychiatrists for depression
- Offers combined therapy and psychiatry options
- Providers average 7-10 years of experience
- User-friendly website and mobile app
- Appointment scheduling up to three months ahead
- Cannot prescribe controlled substances
- No psychiatric care for children
- Provider quality may vary
Our evaluation involved 11 users across various states trying individual, couples, and family therapy. The platform’s extensive provider network and insurance compatibility make it ideal for depression treatment. Sessions were supportive, offering both emotional comfort and practical strategies. While psychiatry services were not tested directly, having both therapy and psychiatry available allows a multifaceted approach to depression.
“This service helped me navigate difficult relationships, process emotions, and overcome unhealthy coping mechanisms.” — Talkspace user recovering from trauma
Some therapists were occasionally late or distracted, affecting trust. Switching providers is straightforward but may be necessary to find the right fit.
Plans & Pricing- Insurance: Accepts major insurers including Aetna, Cigna, Optum, UnitedHealthcare, Carelon, Regence; some Medicare plans; excludes Medicaid
- Subscription: Required for therapy; psychiatry is pay-as-you-go
- Costs: Psychiatry evaluation $299, follow-up $175; bundles available; therapy subscriptions from $69/week messaging-only to $99/week live sessions; couples therapy starts at $109/month
- 92% rated Talkspace very good or excellent overall
- 89% highly rated therapist qualifications
- 95% had most or all needs met
- 97% would recommend Talkspace
- 56% using psychiatry services were treated for depression
Best for Anxiety: Brightside
- Cost: $95-$349 monthly
- Insurance Accepted: Yes
- Therapy Types: Individual therapy, medication management, psychiatry
Brightside specializes in treating various anxiety disorders, including generalized anxiety, panic disorder, and social anxiety, while being in-network with several major insurers. It offers symptom tracking and lifestyle improvement tools alongside cognitive behavioral therapy (CBT), an effective anxiety treatment.
Advantages- Accepts insurance and FSA/HSA payments
- Treats mild to severe anxiety types
- Provides self-care resources for flexible use
- Offers crisis care in select states
- Detailed intake ensures provider matching
- Medication management, therapy, or combined options available
- Services available for teens and adults
- Insurance acceptance varies by location
- Does not treat children under 13
Four testers from North Carolina, New York, and California tried Brightside’s individual therapy, finding the clinicians highly skilled in anxiety disorders. The platform’s convenience and CBT integration were particularly appreciated. Symptom tracking tools helped users monitor progress and manage triggers effectively.
“After experiencing panic attacks, Brightside’s remote scheduling fit my busy life perfectly.” — Brightside user managing anxiety
Some frustrations included prepaid sessions with long wait times and occasional provider tardiness or distraction. These challenges, common across platforms, impacted user experience.
Plans & Pricing- Insurance: Accepts Cigna (except Minnesota), Aetna, Allegiance, UnitedHealthcare, Ambetter (except select states), Anthem CA, Blue Shield CA, Blue Cross Blue Shield (certain states), PEHP UT, Florida Blue, Meritain; some Medicare and Medicaid; accepts HSA/FSA
- Subscription: Required
- Costs: Medication-only $95/month plus pharmacy copay; therapy-only $299/month with weekly sessions; add-on sessions $59 each; combined therapy and medication $349/month
- 88% rated Brightside very good or excellent overall
- 94% praised therapist qualifications
- 93% felt needs were mostly or fully met
- 99% would recommend Brightside
- 71% using psychiatry services treated for anxiety
Best for Co-Occurring Conditions: Teladoc Health
- Cost: Up to $119 per therapy session; $299 initial psychiatry visit; $129 follow-up
- Insurance Accepted: Yes
- Therapy Types: Couples, individual, medication management, psychiatry
Teladoc offers comprehensive telehealth services including talk therapy, psychiatric care, and primary care with providers experienced in mental and physical health. Its broad insurance acceptance makes it ideal for individuals managing multiple health concerns.
Advantages- Accepts many major insurance plans
- Providers skilled in diverse conditions
- Offers both therapy and psychiatry
- All psychiatrists are board-certified
- Supports some Medicaid and Medicare plans
- Flexible scheduling options
- No psychiatric or medication management for children or teens
- Does not treat severe illnesses like schizophrenia or bipolar disorder
- Insurance acceptance not visible before signup
Five testers from Missouri, New York, Texas, and Ohio experienced Teladoc’s therapy services, praising the professionalism and flexibility. The platform’s integration of mental and physical healthcare suits those with complex, co-occurring conditions.
“My therapist was direct, action-oriented, and insightful, making our conversations comfortable and helpful.” — Teladoc user managing anxiety
Provider selection was extensive, allowing detailed filtering to find the best match. Scheduling nights and weekends was accessible, though occasional session issues occurred, such as shortened appointments and last-minute cancellations, resolvable by switching providers.
Plans & Pricing- Insurance: Accepts many insurers including Aetna, UnitedHealthcare, some Medicare and Medicaid plans
- Subscription: Not required
- Costs: Up to $299 initial psychiatry consultation; $129 follow-up; therapy up to $119 per session
- 94% rated Teladoc very good or excellent overall
- 89% praised therapist qualifications
- 94% felt needs met
- 98% would recommend Teladoc
- 30% used psychiatry or medication management services
Best for Bipolar Disorder: LiveHealth Online
- Cost: $85-$100 per therapy session; $185 or less initial psychiatry; $80 follow-up
- Insurance Accepted: Yes
- Therapy Types: Children's, couples, family, individual, medication management, psychiatry, teen counseling
LiveHealth Online excels in treating bipolar disorder, a condition many online platforms avoid. Its acceptance of multiple insurance plans including Medicaid enhances access to specialized care.
Advantages- Expert providers for bipolar disorder
- Flexible scheduling including nights and weekends
- Offers talk therapy, urgent care, and psychiatry
- Provider selection available
- Competitive pricing
- Accepts Medicaid
- Psychiatric care limited to adults
- No live chat support
- Unavailable outside the U.S.
Testing in California and Ohio revealed an intuitive platform with highly experienced clinicians, many with over ten years in practice. Board-certified psychiatrists focus on bipolar I and II, with user-friendly scheduling and technical reliability. Night and weekend slots exist but require advance booking.
Plans & Pricing- Insurance: Accepts Anthem BlueCross and BlueShield plans, Medicaid
- Subscription: Not required
- Costs: $185 initial psychiatry; $80 follow-ups; $85-$100 therapy sessions
- 90% rated LiveHealth Online very good or excellent overall
- 94% praised therapist qualifications
- 98% had needs met
- 98% would recommend
- 33% using psychiatry were treated for bipolar disorder
Best for PTSD: Doctor on Demand
- Cost: $129 - $299 per session
- Insurance Accepted: Yes
- Therapy Types: Individual therapy, medication management, psychiatry, teen counseling
Doctor on Demand specializes in PTSD treatment with experienced psychiatrists and medication management, all within many insurance networks to improve accessibility for trauma survivors.
Advantages- Psychiatrists with PTSD expertise
- Insurance accepted
- Providers average 15+ years experience
- Choice of provider available
- Services for children and teens
- ASL and language interpretation on request
- No messaging between sessions
- Higher out-of-pocket costs
- Insurance details not visible pre-registration
Our testing included adult and teen therapy in Pennsylvania, North Carolina, and New York. Providers demonstrated compassion and expertise critical for PTSD care, employing diverse therapeutic techniques. Punctuality and preparation were consistent, fostering trust and effective support. Teen providers were transparent about their specialties, enhancing confidence. Practical tools and emotional support empowered patients to manage symptoms effectively.
“Appointments focus on the patient, with psychiatrists attentive to family mental health history, enhancing personalized care.”
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